48654 ZIP Code — Rose City, MI

Ogemaw County, Michigan

ZIP code 48654 is located in Rose City, Michigan, within Ogemaw County. It covers approximately 98.44 square miles and serves a population of 2,446 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48654

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $120,300. Owner-occupancy is high at 86%, well above the national average.

Median household income is $45,119. Poverty affects 19% of residents, above the national average. 53% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 48654 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,446

population

98.44

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48654 ZIP code map

Cities in ZIP code 48654

Below are the cities the US Postal Service accepts for ZIP code 48654. Using any city not on this list may result in mail delivery delays.

City	Status
Rose City	Preferred

Nearby ZIP codes

48661 West Branch (9.8 mi) 48636 Luzerne (10.5 mi) 48743 Long Lake (12.5 mi) 48761 South Branch (13.3 mi) 48647 Mio (15.1 mi) 48739 Hale (16.3 mi) 48756 Prescott (16.8 mi) 48656 Saint Helen (17.6 mi) 48621 Fairview (18.1 mi)

Demographics updated 06/2026

Population
Total population	2,446
Population density	25 / sq mi
State FIPS	26
County FIPS	129

Geography
Land area	98.44 sq mi
Water area	1.16 sq mi
Latitude	44.4728
Longitude	-84.1272
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.6%	58.3%	42.6%
$50k – $100k	28.9%	30.6%	31.1%
$100k – $200k	9.5%	9.7%	20.6%
Over $200k	1.0%	1.3%	5.7%

Demographics & statistics

2,446

Population

People per sq mi

58.0

Median age

$45,119

Median household income

$27,291

Per capita income

$120,300

Median home value

$600

Median monthly rent

85.7%

Home ownership

19.0%

Poverty rate

8.8%

Unemployment

1,812

Housing units

12.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

112

25–34

116

35–44

102

45–54

121

55–59

106

208

60–64

182

231

65–74

202

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	436	17.8%
18 and over	2,010	82.2%
65 and over	716	29.3%
Median age	58.0 years

Race & ethnicity

White 97.2%

Two or more races 1.6%

Black or African American 0.8%

Hispanic or Latino 0.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	2,382	97.2%
Two or more races	40	1.6%
Black or African American	20	0.8%
Hispanic or Latino	5	0.2%
American Indian / Alaska Native	4	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.6%	58.3%	42.6%
$50k – $100k	28.9%	30.6%	31.1%
$100k – $200k	9.5%	9.7%	20.6%
Over $200k	1.0%	1.3%	5.7%

Under $10k 9.2%

$10k–$15k 12.3%

$15k–$25k 4.4%

$25k–$35k 17.1%

$35k–$50k 10.1%

$50k–$75k 19.1%

$75k–$100k 13.8%

$100k–$150k 12.0%

$150k–$200k 0.6%

$200k+ 1.3%

Range	% of households
Under $10k	9.2%
$10k–$15k	12.3%
$15k–$25k	4.4%
$25k–$35k	17.1%
$35k–$50k	10.1%
$50k–$75k	19.1%
$75k–$100k	13.8%
$100k–$150k	12.0%
$150k–$200k	0.6%
$200k+	1.3%
Median income	$45,119

Housing

Home values

Under $50k 16.4%

$50k–$100k 25.9%

$100k–$150k 18.7%

$150k–$200k 18.1%

$200k–$300k 13.4%

$300k–$500k 5.3%

$500k–$1M 1.4%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$120,300
Median rent / month	$600
Owner occupied	85.7%
Renter occupied	14.3%
Vacant	43.4%
Single-family detached	83.5%
Large apartment buildings	0.1%
Mobile homes	11.2%
Median rooms	5.1
Avg household size (owned)	2.17

Year built

Era	%
2020 or later	0.0%
2010–2019	1.6%
2000–2009	12.0%
1990–1999	14.2%
1980–1989	11.4%
1970–1979	14.1%
1960–1969	14.5%
1950–1959	18.2%
1940–1949	6.4%
1939 or earlier	7.6%

Bedrooms

Size	% of units
No bedroom (studio)	6.4%
1 bedroom	7.8%
2 bedrooms	34.9%
3 bedrooms	40.8%
4 bedrooms	6.5%
5+ bedrooms	3.5%

Vehicles per household

Vehicles	% of households
No vehicle	7.6%
1 vehicle	31.5%
2 vehicles	41.1%
3 or more	19.8%

Heating fuel

Fuel type	%
Utility gas	24.8%
Electricity	5.4%
Propane / LP gas	46.3%
Fuel oil	1.7%
Wood	16.8%
Solar	0.4%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	537	48.1%
Cohabiting couple	63	5.6%
Male householder, no spouse	270	24.2%
Female householder, no spouse	246	22.0%
Households with children under 18	185	16.6%
Households with seniors (65+)	477	42.7%
Average household size	2.11

Marital status

Status	Male	Female
Never married	23.3%	16.0%
Married	53.2%	54.3%
Separated	2.9%	1.5%
Widowed	7.9%	14.8%
Divorced	12.7%	13.4%

Education

Less than 9th grade 3.9%

Some HS, no diploma 10.6%

HS graduate 40.0%

Some college, no degree 22.2%

Associate's degree 10.8%

Bachelor's degree 8.3%

Graduate / professional 4.1%

Metric	%
HS diploma or higher	85.5%
Bachelor's or higher	12.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	36	8.8%
Kindergarten	40	9.8%
Elementary school	191	46.6%
High school	92	22.4%
College / grad school	51	12.4%

Employment

Industry of employment

Education & healthcare 25.3%

Retail trade 15.9%

Arts, food & hospitality 12.2%

Manufacturing 10.0%

Construction 7.3%

Transportation & utilities 7.2%

Professional & management 6.2%

Finance & real estate 6.0%

Public administration 3.1%

Other services 2.5%

Wholesale trade 1.7%

Information 1.4%

Agriculture & mining 1.1%

Occupation

Category	%
Management, business & arts	32.7%
Service	22.7%
Sales & office	21.1%
Natural resources & construction	10.6%
Production & transportation	12.9%

Employment type

Type	%
Private sector	79.0%
Government	14.9%
Self-employed	6.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.2%
Carpool	10.2%
Public transit	0.0%
Walk	0.6%
Work from home	5.7%
Other means	1.2%
Avg commute (minutes)	26.3

Poverty

All people 19.0%

Under 18 years 17.1%

18 and over 19.5%

Married-couple families 11.0%

Female-led households 35.6%

Income support

Source	% of households
Social Security	52.7%
Retirement income	42.7%
Supplemental Security	10.9%
Cash public assistance	2.5%
Food stamps / SNAP	14.0%

Health indicators

Condition	%
Obesity	39.0%
High blood pressure	41.6%
High cholesterol	40.3%
Diabetes	14.6%
Heart disease	9.8%
Stroke	4.6%
Asthma	11.6%
Arthritis	38.1%
Kidney disease	4.0%
Pulmonary disease	11.8%
Cancer	8.5%

Behavior / access	%
Smoking	23.9%
Binge drinking	16.8%
No physical activity	25.6%
Less than 7 hrs sleep	33.6%
Depression	23.0%
Fair or poor health	20.0%
Poor mental health	16.6%
Poor physical health	14.5%
No health insurance	10.5%
Visited doctor (checkup)	76.2%
Visited dentist	61.6%
Cholesterol screening	91.8%
Teeth loss	17.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	238	11.8%

Disability	%
Any disability	20.8%
Under 18	8.7%
18–64 years	18.9%
65 and over	33.0%

Health insurance coverage

Type	%
Private insurance	61.2%
Public insurance	55.4%
No insurance	5.7%
Uninsured under 19	0.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,351	96.1%
Spanish	12	0.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,426	99.2%
Born in same state	2,416	98.8%
Born in different state	2,092	85.5%
Foreign born	10	0.4%
Naturalized citizen	20	0.8%
Not a US citizen	11	55.0%

Ancestry

Ancestry	Count	%
French	319	13%
Italian	312	12.8%
Arab	119	4.9%
English	74	3%

Ancestry	Count	%
German	49	2%
Irish	46	1.9%
Dutch	5	0.2%
Polish	4	0.2%

Technology access

Metric	% of households
Computer access	45.6%
Internet access	85.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 48654

What city is ZIP code 48654 in?

ZIP code 48654 is primarily assigned to Rose City, Michigan.

What county is ZIP code 48654 in?

ZIP code 48654 falls within Ogemaw County, Michigan.

Does ZIP code 48654 have an older population?

29% of residents in ZIP code 48654 are 65 or older, above the national average of ~17%.

Does ZIP code 48654 have a large retiree population?

53% of households in ZIP code 48654 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 48654?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 48654 mostly owner-occupied?

86% of occupied units in ZIP code 48654 are owner-occupied, well above the national average.

What timezone is ZIP code 48654 in?

ZIP code 48654 observes the EST timezone.